Last Updated: 12/04/2025

Bad Credit Nerd (“we,” “us,” or “our”) is committed to protecting your privacy and ensuring that your personal information is handled responsibly. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit badcreditnerd.com (the “Site”).

By using the Site, you agree to the terms of this Privacy Policy. If you do not agree, please refrain from using the Site.

1. Information We Collect

We may collect both personal and non-personal information when you interact with our Site.

1.1 Personal Information Provided by You

You may voluntarily provide personal information when you:

  • Submit a question or form
  • Sign up for newsletters
  • Contact us directly

This may include:

  • Name
  • Email address
  • Any information submitted through Ask the Nerd or contact forms

1.2 Automatically Collected Information

When you visit our Site, we automatically collect certain information through cookies, log files, and analytics tools, including:

  • IP address
  • Browser type
  • Device information
  • Pages viewed
  • Time spent on site
  • Referring website URLs

This information helps us improve user experience and site performance.

2. Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to:

  • Improve website functionality
  • Understand user behavior
  • Personalize content
  • Measure advertising performance
  • Support Google AdSense and affiliate tracking

You may disable cookies through your browser settings, but some site features may not function properly if cookies are disabled.

3. How We Use Your Information

We use collected information for purposes including:

  • Providing, operating, and improving the Site and its content
  • Responding to messages, questions, or inquiries
  • Sending newsletters or updates (only if you opt in)
  • Analyzing site performance, trends, and user behavior
  • Serving and personalizing advertisements
  • Supporting our affiliate relationships
  • Complying with legal obligations

We do not sell your personal information.

4. Google AdSense & Advertising Disclosure

We use Google AdSense and other third-party advertising partners on our Site.

Google may use cookies, including the DART cookie, to:

  • Serve ads based on your visits to this Site
  • Provide personalized advertisements based on your browsing behavior

Users may opt out of personalized advertising by visiting:

https://www.google.com/settings/ads

Third-party vendors and ad networks may also use cookies and tracking technologies to measure ad performance and personalize content in accordance with their own privacy policies.

For more details on how Google uses data, please review Google’s Privacy Policy:

https://policies.google.com/privacy

5. Affiliate Disclosure

Bad Credit Nerd participates in affiliate programs including, but not limited to:

  • Credit card affiliate programs
  • Banking and financial product affiliate networks
  • Other partnerships that may provide compensation when users click links or sign up for products

Some of the links on this Site are affiliate links, which means we may earn a commission if you click through and make a purchase or sign up, at no additional cost to you.

We strive to only promote products and services we believe can provide value to our readers. Compensation does not influence the information we provide, but it may affect which offers are highlighted.

6. Third-Party Service Providers

We may use third-party tools and services, such as:

  • Analytics providers (e.g., Google Analytics)
  • Advertising networks (e.g., Google AdSense)
  • Email marketing services
  • Affiliate tracking platforms

These third parties may collect, use, and store information in accordance with their own privacy policies. We do not control how third parties use tracking technologies.

7. Data Protection and Security

We take reasonable measures to safeguard your information from unauthorized access, alteration, disclosure, or destruction. However, no method of data transmission or storage is 100% secure, and we cannot guarantee absolute security.

8. External Links

Our Site may contain links to third-party websites. We are not responsible for:

  • The content of those sites
  • Their privacy practices
  • Their security policies

We encourage you to review the privacy policies of any external sites you visit before providing personal information.

9. Children’s Privacy

Bad Credit Nerd does not knowingly collect personal information from individuals under the age of 13. If you believe that a child under 13 has provided information through our Site, please contact us immediately at legal@badcreditnerd.com, and we will take steps to remove such information.

10. Your Choices and Rights

Depending on your jurisdiction, you may have certain rights regarding your personal information, including the right to:

  • Request access to the personal information we hold about you
  • Request corrections or updates to your personal information
  • Request deletion of your personal information, subject to legal obligations
  • Opt out of marketing emails and communications
  • Restrict or object to certain types of data processing

To exercise any of these rights or make a request, please contact us at: legal@badcreditnerd.com

11. California Privacy Rights (CCPA)

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to:

  • Request disclosure of the categories and specific pieces of personal information collected about you
  • Request disclosure of the categories of sources from which personal information is collected
  • Request disclosure of the business or commercial purpose for collecting or selling personal information
  • Request disclosure of the categories of third parties with whom personal information is shared
  • Request deletion of your personal information, subject to certain exceptions
  • Opt out of the sale of your personal information (we do not sell personal information)

To submit a CCPA-related request, please contact us at: legal@badcreditnerd.com

12. European Union (GDPR) Compliance

If you are located in the European Union, you may have rights under the General Data Protection Regulation (GDPR), including:

  • The right to access your personal data
  • The right to rectify inaccurate or incomplete data
  • The right to request erasure of your data (“right to be forgotten”), subject to legal obligations
  • The right to restrict processing in certain circumstances
  • The right to data portability
  • The right to object to certain processing activities

To make a GDPR-related request, please contact us at: legal@badcreditnerd.com

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Last Updated” date at the top of this page. Any changes will be effective when posted on this page.

Your continued use of the Site after any changes indicates your acceptance of the updated Privacy Policy.

14. Contact Us

If you have any questions about this Privacy Policy, how your information is handled, or your rights, please contact us at:

Bad Credit Nerd
Email: legal@badcreditnerd.com